First Time Home Buyer
Programs designed for new homeowners
Popular loan programs designed specifically for first-time home buyers. We offer tailored qualification requirements, educational resources, and dedicated support to guide you through your first home purchase.
Key Features
- Low down payment options (as low as 3%)
- First-time buyer education and support
- Access to down payment assistance programs
- Flexible credit requirements
Who Is This For?
Anyone purchasing their first home or who hasn't owned a home in the last three years.
How It Works
Three steps from your first question to keys in hand.
Apply in minutes
Answer a few simple questions online — no credit check to get started.
We review your file
A licensed loan officer reviews your goals and matches you to the right program.
Close on your home
Sign your docs and get the keys — we handle the paperwork and lender coordination.
What You'll Need
A few basics get the ball rolling. Your loan officer will walk you through anything specific to the First-Time Buyer program.
Start My Pre-Approval- Government-issued photo ID
- Two most recent pay stubs or proof of income
- Last two years of W-2s or tax returns
- Two months of bank statements
- Property information (if you have a home in mind)
Frequently Asked
Answers to the questions we hear most about the First-Time Buyer program.
Do I need perfect credit to qualify?+
No. We work with a wide range of credit profiles and will help you find the right program for your situation — even if you've had bumps along the way.
How long does the pre-approval take?+
Most clients get pre-approved within 24 hours. The initial online form takes about 10 minutes to complete.
Is there a fee to apply?+
Applying and getting pre-approved is completely free. There's no obligation, and we never run a hard credit check until you're ready to move forward.
Can I lock my rate?+
Yes. Once you have an accepted offer, we can lock your rate to protect you from market swings while your loan is in underwriting.
Ready to Get Started?
Get pre-approved for a First-Time Buyer loan in minutes. No credit check, 100% free, no obligation.
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Zoom Home Lending, LLC — NMLS #2620616